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Compatibility Handbook

1. e Not all issuing banks and card holders are enrolled in 3D Secure Fraudsters exploit this loophole in the system to process fraudulent credit cards on your web site You are protected by 3D Secure against charge backs for fraudulent transactions but if your charge back percentage becomes to high then the bank will conduct an investigation and your merchant account could be closed e 3D Secure has not been actively marketed This often results in clients being surprised to see the 3D Secure authentication screen from their bank asking for secure details At this point many clients abandon the purchase T 0861 102 172 Int 27 0 21 712 7841 F 0861 102 172 Int 27 0 21 712 7841 E info paygate co za www paygate co za Y PAYGATE What about 3D Secure cont How Does MasterCard SecureCode and Verified by Visa work When a purchase is made online the card holder will be re directed from the secure PayGate payment page to the issuing bank s cardholder s bank SecureCode and Verified by Visa authentication page Here the card holder will be required to key in his her authentication details e g secret PIN code The Issuing Bank validates this code and returns an OK or not OK response to PayGate If PayGate receives an OK response then we pass the transaction on to the bank for Authorisation If the response is not OK then the transaction is Declined up front by PayGate It should however be
2. Bank 18M Bank KCB Bank Mauritius Commercial Bank State Bank of Mauritius Millenium bim Zenith Bank Guaranty Trust Bank Standard Bank Nedbank Namibia UNITED KINGDOM Country London Scotland Country Cyprus Russia Bank LloydsTSB Cardnet Royal Bank of Scotland Natwest Bank Federal Bank of Middle East Vneshtorgbank Retail Financial Services ASIA Country Bank Brunei Hong Kong Shanghai Bank BSB Hong Kong BOC Credit Card Int Ltd China Hong Kong BOC Credit Card Int Ltd Hong Kong BOC Credit Card Int Ltd Macau Hong Kong DAH SING BANK Hong Kong Hang Seng Bank Ltd Hong Kong Hong Kong Shanghai Bank Hong Kong SCBHK Hong Kong Standard Chartered Bank Macau Hong Kong Standard Chartered Bank Peoples Rep of China Hong Kong Wing Lung Bank India HDFC Bank Ltd India CITIBANK INDIA India HSBC India India ICICI Bank Ltd Indonesia Bank Internasional Indonesia Malaysia Bank Islam Malaysia EON BANK BERHAD Malaysia Hong Kong Shanghai Bank MYH Malaysia UOB Malaysia Malaysia RHB Bank Berhad Maldives Hong Kong Shanghai Bank MLD Philippines BPI Bank Philippines Hong Kong Shanghai Bank MNL Singapore Hong Kong Shanghai Bank SGH Singapore United Overseas Bank Limited Singapore Citibank Singapore Singapore DBS Bank Sri Lanka Commercial Bank of Ceylon Sri Lanka Hong Kong Shanghai Bank CBH Taiwan HSBC Global Payments Taiwan Thailand KasikornBank Public Company Limited Vietnam Vietnam EXIMBANK
3. Int 27 0 21 712 7841 E info paygate co za www paygate co za 41 Y PAYGATE PayGate White Label Gateway Service Y PAYGATE PayGate White Label Gateway Service Introduction PayGate s White Label gateway service enables any qualifying company to become a PCI compliant payment service provider by using PayGate s processing and administrative infrastructure A company using this service will get access to PayGate s integrations to acquiring banks and alternative payment methods in the relevant territories PayGate s APIs which merchants can use to integrate payment services into their website or transaction processing system The API documents can be re branded Access to PayGate s Intranet merchant management website which is used to set up merchant profiles for payment processing as well as for monitoring of processing and reporting Each merchant set up using the Intranet will have access to their own Back Office account management website which they can use for reporting and other functions such as processing refunds This Back Office can be rebranded and access to it for merchants can be via the company s website instead of the PayGate website Advantages PayGate is a PCI DSS Level 1 payment service provider therefore companies using our White Label gateway option will not need to be PCI compliant themselves unless they capture credit card details on their system PayGate has established integrations to multiple banks and
4. 0861 102 172 Int 27 0 21 712 7841 F 0861 102 172 Int 27 0 21 712 7841 E info paygate co za www paygate co za 36 Y PAYGATE im LT le PayGate Airline Capability Y PAYGATE Introducing PayGate Airlines Airlines can benefit from PayGate s solid track record of more than 17 years in online payment solutions PayGate was configuring and implementing online payment solutions before even the first airline online booking system was developed We know how important it is for your airline booking engine open for business 24 7 PayGate servers are built for reliability and are accessible for fast payment access worldwide With minimal development your airline can enjoy a wide range of products services reporting and MIS through a single world class integration The end result is fast integration low cost of operation and maximum flexibility to introduce enhancements and add new payment methods Because you fly to and from a wide range of destinations to maximise revenue and profitability it is essential that your passengers can book and pay in their own country and currency using their favourite local payment methods PayGate has a wide range of traditional alternative and regional payment methods to give the passengers in your target markets more ways to pay So with a low cost of operation the ease of adding new functionality and a wide range of international and regional payment methods to attract new customers in your ta
5. 4 hy lt W Rp 9 2 ha de a s x gt PayGate Back Office Y PAYGATE PayGate Back Office Quick Start User Manual The PayGate Back Office is a user friendly self service account management and reporting website made available to merchants using PayGate to enable effective management of their PayGate account The Back Office is web based therefore the merchant does not need to install any additional hardware or software and simply needs internet access to use it Features e Access control managed by the merchant who can add and delete users when necessary e 24 7 availability via a web based self service portal e Refund facility for credit card to enable merchants to refund their clients quickly e Reporting facility to enable merchants to find details of individual transactions or pull reports of transaction processing for a specified date range e Bank recon report to assist merchants in reconciling the funds received to individual transactions e Dashboards to manage PayGate services such as PayBatch PaySubs and PayBill if enabled e Access to the PayPoint virtual terminal service if enabled Advantages e Merchants can access information quickly and easily without having to contact PayGate Support e No additional hardware or software installation is required e Simple user interfaces make the Back Office intuitive and easy to understand e Merchant only requires internet access to use the Back Office T
6. Airline Value Added Services PayFX PayFX is a real time credit card currency conversion plugin to PayWeb PayFX is useful for airlines pricing in the departing foreign country currency and reguiring settlement in their home country currency Using PayFX your booking engine can price the ticket in the currency of the client based on the client s country of origin and or the currency of the departing airport When the client books the ticket and they are redirected to the PayWeb payment page to enter their credit card details they are shown how currency conversion has taken place and both the converted currency amount and the exchange rate used are clearly visible The credit card payment is processed in the airline s chosen acquiring currency to their internet merchant facility at their bank T 0861 102 172 Int 27 0 21 712 7841 F 0861 102 172 Int 27 0 21 712 7841 E info paygate co za www paygate co za 39 Y PAYGATE Airline Payment Methods We understand that the success of your airline depends on your customers being able to book and pay in their local country currency and with their favourite payment method This drives revenue an ultimately profitability As part of our service we will configure and provide you with the most appropriate global and regional payment methods for your business When it comes to credit card PayGate s airlines can have a merchant facility with any of our more than 70 banks we are linked to worldw
7. Vietnam Saigon Thuong Tin Commercial Joint Stock Bank Vietnam Vietcombank Airlines need an office in the country and large international businesses can register a legal entity to qualify for merchant facilities T 0861 102 172 Int 27 0 21 712 7841 F 0861 102 172 Int 27 0 21 712 7841 E info paygate co za www paygate co za Y PAYGATE of Banks Worldwide cont PayGate List AMERICA Country Bank America Chase Paymentech America Hong Kong Shanghai Bank US NEW ZEALAND Country Bank ANZ New Zealand National Bank New Zealand New Zealand New Zealand Country Bank Australia ANZ Bank Australia Bendigo Bank Australia Commonwealth Bank Australia National Australia Bank Australia Suncorp Metway Australia Westpac Bank Airlines need an office in the country and large international businesses can register a legal entity to qualify for merchant facilities MIDDLE EAST Country Bank Bahrain Credmiax Egypt Arab African International Bank Egypt Bank AUDI Egypt Banque Misr Egypt Commercial International Bank Kuwait National Bank of Kuwait Kuwait Kuwait Finance House Oman Bank Muscat Qatar Doha Bank Qatar Qatar National Bank Saudi Arabia Al Rajhi Bank Saudi Arabia Arab National Bank Saudi Arabia National Commercial Bank Saudi Arabia Riyad Bank UAE Commercial Bank of Dubai UAE Network International UAE Mashreg Bank T 0861 102 172 Int 27 0 21 712 7841 F 0861 102 172 Int 27 0 21 712 7
8. alternative payment methods worldwide which are available to gualifying companies using the White Label Gateway solution Using the re branded Intranet and Back Office saves on development costs as the company offering payment services will not need to develop equivalent management websites themselves The Sign Up Process An interested company would apply for the White Label Gateway service The company s requirements would be discussed with PayGate including the acquirers and payment methods and a solution would be agreed upon The merchant would provide PayGate with their branding to be applied to the Intranet and Back Office as well as other required information PayGate would provide the company with API documents of the payment services they will be offering to their merchants These documents can be re branded T 0861 102 172 Int 27 0 21 712 7841 F 0861 102 172 Int 27 0 21 712 7841 E info paygate co za www paygate co za 43 Y PAYGATE PayGate List of Banks Y PAYGATE PayGate List of Banks Worldwide What does PayGate Offer Please note that to qualify you require an existing business account at the bank with a minimum 6 month trading record SOUTHERN AFRICA Country South Africa South Africa South Africa South Africa AFRICA Bank ABSA Bank First National Bank NedBank Standard Bank Country Kenya Kenya Mauritius Mauritius Mozambique Nigeria Nigeria Namibia Namibia
9. can get paid by people who don t have credit cards e Payments are guaranteed e International Ukash vouchers accepted e Secure reliable How Ukash payments work e You sign up for a Ukash account You choose a PayGate compatible product for processing Customer buys Ukash Voucher available at stores countrywide Customer enters 19 digit voucher on payment page Successful transactions are paid into your bank account Compatible PayGate Products PayWeb e Commerce PayXML Custom Payment Solution PayBill e billing How to Get Started Go to www paygate co za potential client php and complete the Get Started form and we will assist you in signing up to receive credit card payments T 0861 102 172 Int 27 0 21 712 7841 F 0861 102 172 Int 27 0 21 712 7841 E info paygate co za www paygate co za 26 Y PAYGATE M Pesa Kenya Introduction M Pesa Kenya is the most popular mobile payment solution in East Africa and allows users to quickly and easily pay for goods and services using a simple mobile phone application There are over 16 million M Pesa users in Kenya and it is growing in popularity in many other countries in Africa Please note that M Pesa Kenya only works for Kenyan M Pesa and not for M Pesa in other countries Benefits of M Pesa Kenya e Receive online payments from millions of M Pesa Kenya users in their own currency e Payment is guaranteed e No additional development is required to enable M Pesa Kenya as a
10. noted that not all Issuing Banks will force their cardholders to register for this service Where this is the case a re direct will still take place to the issuing bank s website but in this case the transaction will not be authenticated The message code returned will however indicate that you as a merchant attempted to authenticate the transaction and that the issuing bank is not registered for the service The transaction will be processed as a SecureCode and Verified by Visacharge transaction i e the risk will be passed to the issuing bank Below are 2 very helpful links which will give you even more information regarding 3D Secure for both MasterCard and VISA 1 Verified by Visa http www visaeurope com merchant handlingvisapayments cardnotpresent verifiedbyvisa jsp 2 MasterCard SecureCode http www mastercard com us merchant security what_can_do SecureCode Please note that the above is PayGate s interpretation of 3D Secure We believe it to be correct based on our research but we are in no position to guarantee anything as 3D secure is not our product If you have any questions regarding liability shift and 3D Secure please follow this up with either your bank consultant or with MasterCard and Visa directly PayProtector Is PayProtector guaranteed to block all fraudulent transactions No unfortunately not PayProtector is a useful tool to help reduce fraudulent transactions Fraud and risk prevention takes many forms often
11. produce detailed risk report y send risk report to merchant for attention and appropriate action y update bad card data store y end y A PAYGATE AR A HF Sy lt approved transactions 13 gt gt gt bad card list y Ba _ T 0861 102 172 Int 27 0 21 712 7841 F 0861 102 172 Int 27 0 21 712 7841 E info paygate co za 33 www paygate co za A PAYGATE PayGate end to end process V gt A PAYGATE 7 Yes is merchant protected by PayProtector No PayProtector is merchant protected fraud check by 3D secure Yes is this a Master or Visa card risk lies with the merchant Yes is card OK PayGate declines transaction risk lies with issuing bank is card issuer enrolled in 3D cardholder is re directed to Y secure page and asked to Master Car d VERIFIED key in authentication details SecureCode could issuing bank PayGate Decline by contacted Risk lies with merchant Yes PayGate declines Me was authentication Yes transaction successful risk lies with card holder Transaction is sent to the bank for Authorisation 34 T 0861 102 172 Int 27 0 21 712 7841 F 0861 102 172 Int 27 0 21 712 7841 E info paygate co za www paygate co za Y PAYGATE lt hes gt V ay hy M o gt Da
12. relevant suite of online products payment methods and fraud screening services in the country Choosing PayGate in South Africa is a logical and easy choice for local and international merchants who want to partner with a company with the expertise and experience to reliably meet the online payment needs of their target markets The following products and payment methods are available in South Africa For more information please see PayGate Product Capability and PayGate Payment Method Capability Products PayWeb PayXml PaySubs PayBatch PayPoint PayBill PayFx Payment Methods e Credit Card e Debit Card e SID Instant EFT e PaySuml e FNB Cell PayPoint e Ukash Banks e Standard Bank e Nedbank e ABSA e First National Bank 8 T 0861 102 172 Int 27 0 21 712 7841 F 0861 102 172 Int 27 0 21 712 7841 E info paygate co za www paygate co za PAYGATE SS PayGate Global Capability Y PAYGATE Global Offering Introduction PayGate has an expanding international offering of credit card and alternative payment methods worldwide as our multi national companies expand into various territories globally The following products and payment methods are available globally Products e PayWeb e PayXML e PayBill Payment Methods European Merchant Services EMS Payvision Envoy PAY ON Smart2Pay Telepay Dineromail Acquiring Banks We are linked for processing MasterCard and Visa and other card s
13. the token instead of the card number and PayGate would find the card details corresponding to the token in the PayVault database and process a transaction on the card Compatible Payment Methods Compatible banks PayVault is compatible to store the following accepted The following banks are compatibile with PayVault payment method credit card details How to Get Started Go to www paygate co za potential client php and complete the Get Started form and we will assist you in signing up to receive the benefits of PayVault T 0861 102 172 Int 27 0 21 712 7841 F 0861 102 172 Int 27 0 21 712 7841 E info paygate co za www paygate co za 19 Y PAYGATE PayGate Payment Methods Y PAYGATE Accept e Commerce Credit Card Payments Introduction PayGate is a leading credit card processor in Sub Saharan Africa We re continuously linking up to new acquiring banks to provide our diverse range of merchants with a banking facility of their choice Benefits of accepting credit card payments With PayGate you can accept Visa MasterCard American Express and Diners cards from around the world securely online Our systems have been tried and tested to make sure you are open for business 24 7 Credit card transactions are electronically and securely switched to your bank account to make life easier for you You can add our fraud management and payment security system PayProtector for enhanced protection View your transaction history an
14. tokenisation service which enables merchants using the service to store their client s credit card details in PayGate s PCI DSS Level 1 database and receive a token a unique code assigned to the card which can be used to process transactions on that card in future Benefits of PayVault Credit card details are stored in a PCI compliant way for future use The merchant does not need to worry about storing their client s credit card details The token can be used in place of the corresponding card number when processing a payment using our PayBatch Web service Ideal for merchants processing high numbers of recurring payments Server to Server integration for merchants to add credit cards to the PayVault database and receive the corresponding tokens e Merchants can manage their data stored in the PayVault database and can query token and card details as well as delete cards and token details should they no longer be required e Seamless integration to the PayBatch Web payment service for processing of recurring payments using PayBatch How PayVault works To store credit card numbers in the PayVault database the merchant would send the card number and expiry date to PayGate using the PayVault host to host service PayVault will store the card number and return a unique code referred to as a token to the merchant which the merchant can store in their database When the merchant wants to process a payment on the card they would send PayGate
15. 841 E info paygate co za www paygate co za gt PAYGATE sysnet global solutions Certificate of Compliance This is to certify that Paygate Pty Ltd has been assessed by Sysnet Global Solutions and were found to be compliant against the Payment Card Industry standard listed below Thus showing the required level of security due diligence for storing processing and transmitting payment card holder data have been validated as in place Customer Paygate Pty Ltd Address Suite 3C Tokai Village Centre 11 Vans Road Tokai Cape Town 7945 South Africa Category Level 1 Service Provider Certification period 26th March 2013 25th March 2014 PCI Standard and version PCI DSS version v2 0 26th March 2013 Peter Burgess iz Date of Issue Auditor Signature of Head of Ouality Acceptance Conditions of Issuing 1 Sysnet has issued this certificate to indicate that the aforementioned company has met the requirements of the Payment Card Industry PCI standard s stated above This certificate is a record of the validation process carried out with aforementioned com pany and recognition ful implementation of the requirements of the payment card industry security standards 2 The PCI Council representing card schemes Visa Mastercard American Express Diners and JCB produce and maintain the security standards and all content within same Sysnet do not hold any responsibility for the content or requirements of th
16. Y PAYGATE Y PAYGATE Page 3 Page 4 Page 7 Page 9 Page 12 Page 20 Page 28 Page 35 Page 37 Page 42 Page 44 Page 46 Introduction PayGate Africa Capability PayGate South Africa Capability PayGate Global Capability PayGate Products PayGate Payment Methods PayGate Fraud Risk Capability PayGate Back Office PayGate Airline Capability PayGate White Label Gateway Service PayGate List of Banks PayGate Certificate of Compliance T 0861 102 172 Int 27 0 21 712 7841 F 0861 102 172 Int 27 0 21 712 7841 E info paygate co za www paygate co za Y PAYGATE Introduction Thank you for considering PayGate as your payment gateway partner We are here to help you find the PayGate solution s that best suit your needs Our promise to you is this safe secure and reliable e commerce environments that have been tried tested and developed over many years Continual risk assessment in the virtual marketplace helps us stay up to date with the latest technologies so you can be confident that your online transactions are always in good hands PayGate Client Benefits We provide simple solutions to complicated processes We will help you navigate bank applications and procedures for your merchant account Our excellent technical support will ensure that you ll be up and running in no time You ll always be open for business with our always on support About Us We established PayGate me
17. ait Finance House Bank Muscat Doha Bank Qatar National Bank Al Rajhi Bank Arab National Bank National Commercial Bank Riyad Bank Commercial Bank of Dubai Network International Mashreq Bank As we are adding new banks all the time please see the latest Bank List on www paygate co za for a comprehensive overview of up to date integrations Alternative Payment Methods The next wave of bringing consumers around the globe into the eCommerce and mCommerce economy is Alternative Payment Methods In many countries alternative payment methods are more popular than credit card and alternative payments are expected to top the card schemes in the next year or two PayGate has an ever expanding range of appropriate alternative payment options for online merchants serious about finding more ways to get paid by their target markets and customers We are consistently adding to our suite of alternative payment methods in mainstream economies as well as emerging markets Here is a list of Alternative Payment methods at time of producing this Handbook T 0861 102 172 Int 27 0 21 712 7841 F 0861 102 172 Int 27 0 21 712 7841 E info paygate co za www paygate co za 10 PAYGATE vr Global range of alternative payment methods European Merchant Services EMS www emscard com Moneybookers International Gateway Hosting As an international provider PayGate has servers in the Amazon hosting cloud to ensure immediate access continuo
18. ank We will help you configure the ideal payment configuration for target countries in which you would like to do business Kenya 1 amp M Bank PayGate is integrated to I amp M Bank for accepting online payment in Kenyan Shillings or USD from locals KCB PayGate is integrated to KCB for accepting online payment in Kenyan Shillings or USD from locals M Pesa Kenya PayGate has an integration to Safaricom for accepting M Pesa transactions from more than 16 million local Kenyan account holders T 0861 102 172 Int 27 0 21 712 7841 F 0861 102 172 Int 27 0 21 712 7841 E info paygate co za www paygate co za Y PAYGATE Nigeria Zenith Bank PayGate is integrated to Zenith Bank for MasterCard and Visa transactions in Nigerian Naira and USD so that local Nigerians can buy and pay in local currency GT Bank PayGate is integrated to GT Bank for MasterCard and Visa transactions in Nigerian Naira and USD providing an option for local Nigerians to buy and pay in their own currency Verve Debit Cards Verve debit cards are the most common payment method in Nigeria and through the Interswitch integration e Commerce merchants can accept payment for purchases from local Nigerians using their most popular payment method Tanzania ECS PayGate will soon have a link for processing of local online card acceptance in Tanzanian Shillings Uganda Stanbic PayGate will soon go live with Stanbic Africa and will soon be able to accept Ugandan S
19. be posted to this page so the merchant knows the transaction status in real time The PayWeb page is customisable so that it can be made to look more like the merchant s own website Compatible Payment Methods Compatible banks PayWeb is compatible with the following available The following banks are able to process PayWeb credit payment method card payments Credit Card Standard Bank Debit Card PayD A Nedbank iD Instant EFT 9 ABSA S PaySuml offshore bank payments 9 FNB Ukash Accept Voucher Payments 9 International Banks via MiGS FNB Cell Pay Point Pay with your mobile M Pesa Kenya Only Interswitch Nigeria Only How to Get Started Go to www paygate co za potential client php and complete the Get Started form and we will assist you in signing up to receive the benefits of PayWeb 13 T 0861 102 172 Int 27 0 21 712 7841 F 0861 102 172 Int 27 0 21 712 7841 E info paygate co za www paygate co za Y PAYGATE PayXMIL e Commerce Introduction Your online credit card machine on the Internet where your clients key in their credit card details on a secure page which you host a digital certificate is required This gives you total control over the look and feel of PayXML which provides you with a direct link to PayGate for immediate transaction processing All transactions are authorised immediately and settled to your bank account overnight Benefits of PayXML Secure amp Easy to use for devel
20. chemes depending on the bank of choice reliably on trusted global networks to more than 70 acquiring banks worldwide We have a consistently growing network of banks for acquiring including Lloyds TSB Cardnet Scotland Royal Bank of Scotland Natwest Cyprus Federal Bank of Middle East Russia Vneshtorgbank Retail Financial Services Brunei Hong Kong Shanghai Bank BSB BOC Credit Card Int Ltd China BOC Credit Card Int Ltd BOC Credit Card Int Ltd Macau DAH SING BANK Hang Seng Bank Ltd Hong Kong Shanghai Bank SCBHK Standard Chartered Bank Macau Standard Chartered Bank Peoples Rep of China Wing Lung Bank HDFC Bank Ltd Citibank India HSBC India ICICI Bank Ltd Bank Internasional Indonesia Bank Islam Eon Bank Berhad Hong Kong Shanghai Bank MYH UOB Malaysia RHB Bank Berhad Hong Kong Shanghai Bank MLD BPI Bank Hong Kong Shanghai Bank MNL Hong Kong Shanghai Bank SGH United Overseas Bank Limited Citibank Singapore DBS Bank Commercial Bank of Ceylon Hong Kong Shanghai Bank CBH HSBC Global Payments Taiwan KasikornBank Public Company Limited Vietnam Eximbank Saigon Thuong Tin Commercial Joint Stock Bank Vietcombank Chase Paymentech Hong Kong Shanghai Bank US ANZ New Zealand National Bank New Zealand ANZ Bank Bendigo Bank Commonwealth Bank National Australia Bank Suncorp Metway Westpac Bank Credmiax Arab African International Bank Bank AUDI Banque Misr Commercial International Bank National Bank of Kuwait Kuw
21. d feel Accept payments 24hrs per day 7 days per week How PayBill works PayBill offers a way of receiving online payments to merchants who are not able to integrate a payment system into their website Using PayBill a merchant would create a bill for their customer via a page in the PayGate Back Office admin website on this page they would enter the customer s name email address and the amount owed PayGate s system would then send an email to the customer s email address this email contains a link to a secure payments page When the customer clicks the link they are taken to the secure payments page where they can complete the payment The merchant is notified when a payment is completed and can check which PayBills have been paid using the PayGate Back Office Compatible Payment Methods Compatible banks PayBill is compatible with the following available The following banks are able to process PayBill credit payment methods card payments Credit Card Standard Bank Debit Card PayD SID Instant EFT ABSA PaySum 1 offshore bank payments FNB How to Get Started Go to www paygate co za potential client php and complete the Get Started form and we will assist you in signing up to receive the benefits of PayBill T 0861 102 172 Int 27 0 21 712 7841 F 0861 102 172 Int 27 0 21 712 7841 E info paygate co za www paygate co za 18 Y PAYGATE PayVault Credit Card Tokenisation Introduction PayVault is a credit card
22. d process refunds through our user friendly back office PayGate has processed many millions of credit card transactions every year since 1999 How Credit Card payments works e Cardholder clicks to pay on the merchants site e Cardholder is directed to a payment page to enter credit card details e Cardholder is then directed to a 3D secure page and prompted to enter authentication details e Should the card holder not be registered for 3D secure the card holder will be redirected to the issuing bank to register for 3D secure If authentication is correct the transaction is sent to the acquiring bank to authorise e Once authorised the cardholder gets directed back to the payment page to complete transaction Bank Service Compatability STD BANK NEDBANK INTERNATIONAL PayWeb e Commerce PayXML Custom payment solution PayXML moto Custom payment solution PayBill e billing PayPoint Virtual terminal PayBatch Batch processing PayBatch PayWeb Batch processing How to Get Started Go to www paygate co za potential client php and complete the Get Started form and we will assist you in signing up to receive credit card payments T 0861 102 172 Int 27 0 21 712 7841 F 0861 102 172 Int 27 0 21 712 7841 E info paygate co za www paygate co za 21 Y PAYGATE PayD South African debit cards Introduction As a South African merchant you can now accept debit cards online using PayGate This means that by accepting debit cards on y
23. e PCI security standards 3 This certificate is not endorsed by the PCI Council and is produced solely by Sysnet for the records of the aforementioned company to attest to their current compliance leve 4 This certificate offers no guarantee to the security availability or integrity of any systems or data held by the aforementioned company Accordingly Sysnet accepts no kability to any third party in the event of loss or damage to systems or data due to any perceived lack of security or breakdown of current security measures T 0861 102 172 Int 27 0 21 712 7841 F 0861 102 172 Int 27 0 21 712 7841 E info paygate co za www paygate co za
24. ethod card payments Credit Card Standard Bank Nedbank How to Get Started Go to www paygate co za potential client php and complete the Get Started form and we will assist you in signing up to receive the benefits of PaySubs T 0861 102 172 Int 27 0 21 712 7841 F 0861 102 172 Int 27 0 21 712 7841 E info paygate co za www paygate co za 15 Y PAYGATE PayBatch Credit Card Processing Introduction Your online PayBatch processing credit card machine on the Internet All you need to do is provide us with a list of transactions to process and we do it for you no fuss and your transactions are settled to your bank account overnight Benefits of PayBatch Processing Simple and Secure Easy to use Low transaction charges Comprehensive documentation available for download from our web site Send us a batch of transactions and we ll notify you when they have been processed Simple le layout enables easy integration to your current systems How PayBatch works Large numbers of credit card transactions can be processed using PayBatch The merchant can create a batch le with details of the credit card transactions they want to process This batch le can either be uploaded via the PayGate Back Office or submitted via a SOAP web service PayGate will process the transactions and then make another le available for download with the transaction status of each transaction included in the batch Compatible Payment Methods Compatib
25. g PayXML you keep the customer on your website and booking engine at all times and pass the payment information to us in the background for processing With PayXML you host the payments page on your site so you will need an SSL certificate and ensure that you are PCI compliant How it works is that when a transaction is processed the data is sent in the background from your system to ours via a secure server to server post We post the transaction results to a notification URL specified by you PayXML supports multiple payment methods and fraud screening services PayXML is also compatible with 3D Secure for both PayGate s MPI and your own MPI should you wish to make use of your own 3D Secure service provider Please see the PayGate Product section for more detailed information on PayXML use and compatibility Full technical documentation for PayXML can be found on the Download page of our website www paygate co za T 0861 102 172 Int 27 0 21 712 7841 F 0861 102 172 Int 27 0 21 712 7841 E info paygate co za www paygate co za 38 A PAYGATE Airline Online Payment Products cont PayHost for Airline PayHost is the latest payment product and technology for airline eCommerce and mCommerce This product is for sophisticated users that can manage high end development PayHost with a single integration gives you the control of PayXML and the flexibility of PayWeb all in one product With PayHost you can customise and comple
26. g high volumes or high values of transactions We recommend to all our Internet merchants that they make use of the PayProtector Online service This minimises the risk of non payment for goods delivered and or services provided as a result of charge backs from the bank It also removes the unnecessary administration involved in dealing with a charge back dispute Merchants selling high risk products or merchants experiencing a high degree of fraudulent transactions should make use of PayProtector Reporting as an additional tool to highlight possible fraud T 0861 102 172 Int 27 0 21 712 7841 F 0861 102 172 Int 27 0 21 712 7841 E info paygate co za www paygate co za 31 PayProtector online 32 y PayProtector y is transaction good 4 Yes continue with 3D secure and bank authorisation process y A PAYGATE a o x M External data sources Risk analysis a bad card list lt lt Charge back lists engine Detailed human analysis No 6 na C decline transaction T 0861 102 172 Int 27 0 21 712 7841 F 0861 102 172 Int 27 0 21 712 7841 E info paygate co za www paygate co za PayProtector reporting start y perform daily analysis of all Approved transactions per merchant y consult with external specialist fraud and risk systems to assist with data analysis y
27. hilling payments from local Ugandans wanting to buy and pay online Rwanda Bank of Kigali PayGate will soon go live with Bank of Kigali so that local Rwandans will be able to buy and pay online in Rwandan francs Botswana Stanbic PayGate will soon go live with Stanbic Botswana so that Botswana locals can buy and pay online in Botswana pula Mauritius Mauritius Commercial Bank MCB PayGate is linked to MCB for accepting USD and EUR State Bank of Mauritius SBM PayGate is linked to MCB for accepting USD and EUR Mozambique Millenium BIM PayGate is linked to Millenium BIM in Mozambique for accepting payment in Mozambican metical South Africa Banks PayGate is linked for processing to all e Commerce acquiring banks in South Africa Standard Bank Nedbank First National Bank ABSA for South Africans to buy and pay online in their local currency South African Rands Other payment methods As many South Africans do not have credit cards PayGate can also accept debit cards via PayD SID automated EFT Ukash and FNB Cell PayPoint mobile solution T 0861 102 172 Int 27 0 21 712 7841 F 0861 102 172 Int 27 0 21 712 7841 E info paygate co za www paygate co za Y PAYGATE PayGate South Africa Capability Y PAYGATE Introduction Now a leading African and emerging global online payment service provider PayGate s roots were established in South Africa more than 17 years ago PayGate has the most diverse and
28. ide Please see our up to date PayGate Bank List to choose acquiring in the countries you are targeting We also have a rapidly growing list of global and alternative payment methods to choose from Alternative payment methods have grown considerably over the years and are expected to exceed card scheme payments in the next year or two In many countries they are the primary online payment method Choose from our wide range of alternative payments for the target countries you fly to and from Please visit www paygate co za see our up to date list of PayGate Alternative Payment Methods for more info Airline Fraud Prevention and Risk Analysis 3D Secure 3D Secure is MasterCard and Visa s online credit card authentication system designed to minimize your exposure to fraudulent credit card use on the internet Most banks offer 3D Secure free of charge and similarly PayGate does not charge for 3D Secure authentication 3D Secure is built into our PayWeb PayXML and PayHost payment services PayGate s transaction processing systems are neatly integrated with 3D Secure including the ability to turn it on and off and your own choice of MPI 3D Secure is becoming mandatory in many territories PayGate has significant experience with 3D Secure implementation and can advise airlines on the optimal application and configuration PayProtector Online PayProtector Online is a real time fraud screening service which PayGate has developed to offer a fir
29. ine and batch processing credit card machine on the Internet PaySubs allows you to set up a recurring subscription manually yourself via the PayGate back office or have your clients do it themselves via your web site A process now facility enables the first transaction to be processed immediately when captured via a web site and the balance to be processed at future dates All transactions are settled to your bank account overnight on the date they are processed Benefits of PaySubs Simple and secure Easy to use Low transaction charges Capture new subscriptions directly via your web site Process the first transaction immediately and queue up the balance for automatic processing in the future Uncomplicated management of existing subscriptions via the back office Comprehensive documentation available for download from our web site How PaySubs works To process recurring payments on a credit card a PaySubs subscription can be set up either via a website integration or manually via the PayGate Back Office Once this subscription has been created the relevant card will be billed the specified amount at the specified frequency e g every month on the 27th day until the subscription ends Subscriptions can be edited and deleted via a page in the PayGate Back Office Compatible Payment Methods Compatible banks PaySubs is compatible with the following available The following banks are able to process PaySubs credit payment m
30. ive you simple relevant merchant solutions not complex products We are passionate about service excellence We don t compromise on quality our systems work We are more than a merchant service provider we are your dedicated business partner We are always available to offer expert advice and customer support We are Africa s online payments pioneer Our Ethos People drive our business Teamwork is everything Together we ensure secure and reliable merchant solutions always putting the needs of our clients first T 0861 102 172 Int 27 0 21 712 7841 F 0861 102 172 Int 27 0 21 712 7841 E info paygate co za www paygate co za Y PAYGATE Y PAYGATE Introduction PayGate has become a leader in payment solutions for Africa with more than ten banks to choose from in more than ten countries and leading alternative payment methods PayGate has a good understanding of the unique requirements and challenges of e Commerce businesses looking for online payment in African countries Our strategy for Africa is to approach it on a phase by phase basis Our main focus in each territory is to establish solid acquiring relationships in each region and provide global merchants a way to get paid via appropriate local online payment solutions and local currencies in Africa PayGate s widespread Africa online payment capability through a single integration is unmatched globally African payment solutions are not only for local merchant
31. le banks PayBatch is compatible with the following available The following banks are able to process Batch Payments How to Get Started Go to www paygate co za potential client php and complete the Get Started form and we will assist you in signing up to receive the benefits of PayBatch T 0861 102 172 Int 27 0 21 712 7841 F 0861 102 172 Int 27 0 21 712 7841 E info paygate co za www paygate co za 16 Y PAYGATE PayPoint Virtual Terminal Introduction Your secure online credit card machine s on the Internet Enjoy the benefits of your own user speciable password where transactions are authorised immediately and settled to your bank account overnight Benefits of PayPoint Easy to use Fast save the time wasted waiting for dial up Easy to use Accessible from anywhere in the office anywhere in the world Low transaction charges Process a refund Use multiple terminals simultaneously save the rental costs on card swipe machines Allow your staff access to use the system but limit their functionality if necessary Reconcile your transactions to your bank statement How PayPoint works PayPoint is a virtual terminal payment service offering the ability to manually process credit card payments without having to use a point of sale swipe machine To process a payment using PayPoint the merchant would log in to the secure PayGate Back Office admin website and enter the credit card details on a secure payments page The pa
32. lect the SiD Instant EFT option They will then be taken to a second page where they can select their bank once this has been done they will be taken to a third page where they log into their internet banking via the SiD interface using their normal login details The client is then taken to the final page pre populated with the details of the payment that they can review and confirm once confirmed that EFT payment is done and the client is redirected back to the merchant s website Who can make a SiD payment Compatible PayGate Products Merch ith SiD if th erchant can accept payment with SiD if the merchants PayWeb e Commerce clients bank with any of the following banks PayBill e billing ABSA Standard Bank Nedbank Capitec How to Get Started Go to www paygate co za potential client php and complete the Get Started form and we will assist you in signing up to receive SID Instant EFT payments T 0861 102 172 Int 27 0 21 712 7841 F 0861 102 172 Int 27 0 21 712 7841 E info paygate co za www paygate co za 23 Y PAYGATE PaySuml Offshore bank payments Introduction PayGate has introduced a new secure and cost effective way for merchants to get paid from overseas PaySuml is an easy to use payment facility for both the client and the merchant PaySuml is immediately available to merchants using either the PayGate PayBill or PayWeb processing systems Benefits of using PaySuml For the merchant e Offer your c
33. lients a new way to pay e Save money on SWIFT and wire transfer fees e No charge back risk e No inbound receiving fees charged by South African banks resulting in a saving of up to R500 per payment For the client e Client makes an international payment to South Africa at up to 10 cheaper than using the banking system for electronic transfers e Client makes payment to South Africa by simply depositing a local currency equivalent USD GBP EUR AUD and many others of the Rand amount into a local bank account held in their own country e Guaranteed best exchange rates e No international transfer fees e Zero commissions client pays R50 on amounts smaller than R5 000 How PaySum1 works e Client visits Merchant web site Client chooses PaySum1 payment method PaySum1 system offers foreign currency equivalent of Rand amount owed Client deposits foreign currency into a local bank account in his own country Merchant is paid out Rand amount in SA Compatible PayGate Products PayWeb e Commerce PayXML Custom Payment Solution PayBill e billing How to Get Started Go to www paygate co za potential client php and complete the Get Started form and we will assist you in signing up to receive PaySum1 payments T 0861 102 172 Int 27 0 21 712 7841 F 0861 102 172 Int 27 0 21 712 7841 E info paygate co za www paygate co za 24 Y PAYGATE FNB Cell Pay Point Pay with your mobile Introduction FNB Cell Pay Point is a sec
34. nel currently screens over 30 million transactions per month from 30 000 merchants across 180 countries worldwide ReDs PayGate is integrated to Retail Decisions ReD who provides fraud solutions in 192 countries across six continents Red enables fully integrated payment processing and fraud prevention and provides access to a broad range of payment types around the world The ReD gateway connects 149 currencies and 69 countries via 65 different payment types and more than 130 acquiring banks T 0861 102 172 Int 27 0 21 712 7841 F 0861 102 172 Int 27 0 21 712 7841 E info paygate co za www paygate co za 40 Y PAYGATE Airline Reconciliation and Reporting Services The PayGate Back Office Airlines receive access to their own PayGate Back Office dashboard which gives you full control over your transactions Back Office features include management of credit card settlements processing of refunds configuration of payment services transaction reporting comprehensive search functionality bank reconciliation and much more Access to the Back Office is password controlled and multiple users can be created and added by your Administrator with different levels of access Please see the section on PayGate Back Office for more information Airline Payment Notifications PayGate has an email notification system for merchants who prefer to be notified by email rather than logging in to the Back Office to get the information the
35. opers Low transaction charges MasterCard SecureCode and Verified by Visa enabled Comprehensive documentation available for download from our web site Sample code available for download from our web site Provides you with the flexibility to manage your own payment process Fully functional test environment for pre production configuration and testing Accept payments 24hrs per day 7 days per week How PayXML works PayXML is a host to host payment service which enables the merchant to develop their own website payments page or payment system and then send the transaction request to PayGate via a server to server post PayGate then processes the payment and posts the response to the merchant s system If a merchant is using PayXML for an e Commerce website the payments page will need to be encrypted using an SSL certificate Compatible Payment Methods Compatible banks PayXML is compatible with the following available The following banks are able to process PayXML credit payment method card payments Credit Card Standard Bank Debit Card PayD Nedbank How to Get Started Go to www paygate co za potential client php and complete the Get Started form and we will assist you in signing up to receive the benefits of PayXML T 0861 102 172 Int 27 0 21 712 7841 F 0861 102 172 Int 27 0 21 712 7841 E info paygate co za www paygate co za 14 Y PAYGATE PaySubs Recurring Billing Introduction Your intelligent onl
36. otects the merchant from processing fraudulent transactions Why should use PayProtector Unfortunately fraud is a problem and sooner or later almost all online e Commerce web sites are affected by fraud MasterCard and Visa have implemented the 3D secure program to help protect merchants from fraud but 3D secure is not able to catch all fraudulent transactions PayProtector will work stand alone or in conjunction with 3D Secure to add an extra layer of protection What about 3D Secure MasterCard SecureCode and Visa Verified by Visa 3D secure is a useful tool to use against online credit card fraud and it has its advantages but there are disadvantages to be aware of too What are the advantages to using 3D Secure e The biggest advantage is that the liability for a credit card charge back for fraudulent transactions only moves from the merchant to either the issuing bank or the card holder e If you have a merchant account at a South African bank then there is no charge to the merchant for 3D Secure transactions The banks pay the 3D cost What are the disadvantages to using 3D Secure e 3D Secure adds an extra step to the checkout process e Visa corporate credit cards cannot be processed through 3D Secure Visa does not allow corporate cards to be authenticated This means that anybody attempting to purchase from your 3D Secure protected web site with a Visa corporate card will have their transaction declined
37. our website you can now sell your products to millions of ABSA Nedbank and Standard Bank cardholders who are on the MTN or Vodacom networks at lower cost and risk Benefits of accepting debit card payments e With PayGate you can accept debit card transactions from Absa Standard Bank and Nedbank cards Our systems have been tried and tested to make sure you are open for business 24 7 payD will give you access to 41 5 million debit card users in South Africa View your transaction history through our user friendly Back Office admin site Accepting South African debit cards online is a great opportunity for merchants worried about the risk of chargebacks How payD works It is simple to use for debit card holders The first time they use it at your website checkout they enter their MTN or Vodacom mobile number and their ABSA Standard Bank or Nedbank debit card number Then enter their debit card pin on the mobile to authenticate the transaction Thereafter they just enter their mobile number at checkout and their pin on their mobile Who can make payD payments Compatible PayGate Products PayWeb e Commerce Merchant clients are able to pay with payD should they have the following Cellular Networks MIN Who can receive payD payments Merchants who bank with the following banks can Debit or Credit cards issued by the following banks make use of the payD payment method Standard Bank Standard Bank 9 ABSA PayBill e billing PayXML C
38. payment method if you are using PayWeb or PayBill How M Pesa Kenya works You sign up for M Pesa Kenya with PayGate You choose a compatible PayGate product for processing Customer chooses M Pesa Kenya on the check out page PayGate gives them a USSD code to enter on their mobile Customer enters USSD code on their mobile Successful transactions are paid into your bank account Compatible PayGate Products PayWeb e Commerce PayBill e billing Reguirements e A PayGate profile with PayWeb and or PayBill enabled Who can make M Pesa payments Much easier with PayGate s managed service Just sign up with PayGate and we do the rest If you want your own M Pesa account A company registered in Kenya A business account with M Pesa A Kenyan bank account How to Get Started Go to www paygate co za potential client php and complete the Get Started form and we will assist you in signing up to receive M Pesa Kenya payments T 0861 102 172 Int 27 0 21 712 7841 F 0861 102 172 Int 27 0 21 712 7841 E info paygate co za www paygate co za 27 Y PAYGATE Y PAYGATE What is PayProtector How Does MasterCard SecureCode and Verified by Visa work PayProtector is PayGate s fraud and risk screening service PayProtector is tightly integrated into the PayGate gateway so that all transactions processed by PayGate can be screened up front by PayProtector High risk transactions are immediately blocked by PayProtector This pr
39. rchant services in 1996 around the same time that great businesses like Google Amazon and eBay were founded We share our proud African origins with accomplished South African entrepreneurs like Mark Shuttleworth space tourist and founder of Thawte and Elon Musk of PayPal fame Over more than 15 years of consistent excellence in service delivery we have developed into a global payment gateway business with satisfied clients on five continents At PayGate we understand the needs of our clients We deliver effective merchant services that have the power to simplify seemingly complex problems This contributes to our solid market leadership in the continuously evolving online payments arena Because we are reliably and consistently ahead of the game our clients can be certain they have the competitive edge they need in theirs Our business revolves around long term mutually beneficial relationships with people like you We hire the best to deliver the best a team of real passionate people in a digital world Our belief is that true intelligence finds form in simplicity which is why we partner with our clients in mapping out clear and effective online merchant processes Through our dedicated hands on approach we work with you to make your life easier and increase your bottom line By being available open and transparent we can help you and your business get the best from our approach The PayGate Way We employ top industry people We g
40. rget markets your airline can maximise profitability and spend more time focusing on your core airline business Airline Online Payment Products PayWeb for Airline PayWeb is a secure and user friendly online payment service for your airline designed for easy integration PayWeb is internet tablet and smartphone friendly This service is compatible with multiple payment methods as well as 3D Secure and fraud management services PayWeb is used by many of our major airline clients due to its integration simplicity and ease of enabling new payment methods at the flick of a switch How it works is that a passenger confirms their booking on your site and they are redirected to the secure PayWeb payments page hosted on the PayGate s server This page is customised to the look and feel of your website to ensure a seamless customer experience 3D Secure authentication for credit card payments is automatically handled by the PayWeb page Once the PayWeb transaction is completed we pass the client and the transaction results back to you so that you can complete the session with your customer Please see the PayGate Product section for more detailed information on PayWeb use and compatibility Full technical documentation for PayWeb can be found on the Download page of our website www paygate co za PayXML for Airline A PayXML integration gives you complete control over the look feel and functionality of your airline booking and payments page Usin
41. s Now international and multi national e Commerce providers can enjoy the benefits of local revenues from local payment services and solutions that meet the needs of Africans and bring them into the net Fraud and risk screening in the African region is best done by a regional service provider PayGate has an in house fraud screening solution which works well and is economical For more sophisticated online fraud screening international fraud management services can be provided where necessary Payment solutions in Africa for example M Pesa in Kenya and Verve in Nigeria can be quite complex and confusing for merchants PayGate with more than 15 years African online payment experience can help make it simple and effective for you to go live fast The following products and payment methods are available in these countries outside of South Africa For more information please see PayGate Products and PayGate Payment Methods Products e PayWeb e PayXml e PayBill Payment Methods e M Pesa Kenya e Nigerian Verve Card African Banks and Regional Payment Methods e Commerce merchants trading in Africa need an African solution Relevant payment methods and capability is important It makes a real difference for local Africans to be able to buy and pay in their own local currency using local payment methods PayGate has a wide range of appropriate solutions for local processing and can help facilitate an acquiring relationship with the chosen b
42. st line of defense against online credit card fraud It was designed to be used stand alone or in conjunction with 3D Secure to further reduce the risk of a fraudulent credit card payment being successfully authorised PayProtector online blocks suspected fraudulent transactions before they are sent to the bank for processing For more information on PayProtector Online please visit the section on PayGate Fraud and Risk Capability or go to www paygate co za PayProtector Reporting In addition to 3D Secure and PayProtector Online PayGate offers a PayProtector Reporting service PayProtector Reporting reviews all approved transactions and calls out to external service providers to double check for credit card fraud The PayProtector Reporting service emails a report to the relevant airline fraud management representatives every day The airline s fraud team can then take appropriate action and cancel and refund fraudulent tickets to prevent chargebacks For more information on PayProtector Reporting please visit the section on PayGate Fraud and Risk Capability or go to www paygate co za High end fraud and risk services Risk Sentinel Gatekeeper PayGate is integrated to Risk Sentinel GateKeeper from DataCash a MasterCard company which uses advanced technologies and innovation to offer superior end to end fraud monitoring detection and prevention Risk Sentinel reduces costs of fraud with an average chargeback rate of less than 0 1 Risk Senti
43. tely control your customer and user experience and yet present payment pages that are reguired for some alternative payment methods around the world as and when reguired Please see the PayGate Product section for more detailed information on PayHost use and compatibility Full technical documentation for PayHost can be found on the Download page of our website www paygate co za PayBatch and IATA HOT File processing for Airline PayGate has a sophisticated transaction batch processing system which is available to merchants within the back office Credit card and IATA HOT file plug ins are immediately available and bespoke requirements are handled on request The credit card batch processing system makes it easy to process large batches of transactions Files are uploaded to PayGate over a secure connection processed and the results are returned to the merchant for reconciliation PayGate s IATA HOT file plugin allows airlines to upload the IATA HOT file and automatically process and settle the transactions directly to their merchant account in country Detailed transaction statuses of all of transactions processed from the HOT file are returned to the merchant in CSV file format for easy input into accounting and reporting systems Please see the PayGate Product section for more detailed information on PayBatch use and compatibility Full technical documentation for PayBatch can be found on the Download page of our website www paygate co za
44. the most effective prevention is achieved by making subtle changes to the business process T 0861 102 172 Int 27 0 21 712 7841 F 0861 102 172 Int 27 0 21 712 7841 E info paygate co za www paygate co za 30 Y PAYGATE PayProtector Which PayProtector service is suitable to my business PayProtector Online Transactions are screened for potential fraud in real time before they are sent to the bank Transactions flagged as High risk are declined immediately by PayGate and not sent to the bank for processing Any further purchase attempts that are identified as linked to a fraudulent transaction are automatically blocked PayProtector Reporting This is an additional service to identify transactions which may be fraudulent and managed to slip through the PayProtector service when they were processed All transactions which were Approved by the bank are screened again for potential fraud The merchant is provided with a daily report detailing the previous days transactions Transactions are tagged as Low Medium or High risk The onus is on the merchant to take relevant action based on the risk report PayProtector Managed This is an additional specialist fraud and risk service provided by PayGate The PayGate risk team will work closely with the merchants risk team to implement processes and procedures to manage fraud and risk This service reguires manual intervention and is suitable to larger merchants processin
45. ure easy to use online payment solution which is not limited to credit card payment Online banking clients at FNB in South Africa can use this payment method to pay merchants using their mobile phones Benefits of using FNB Cell Pay Point e You can get paid by FNB Cellphone Banking customers e Payment can be made from any of their FNB cards or accounts e Payments are guaranteed How FNB Cell Pay Point works You sign up with PayGate for FNB Cell Pay Point You choose a PayGate compatible product for processing Customer chooses FNB Cell Pay Point on the check out page PayGate gives them a USSD code to enter on their mobile Customer enters USSD code on their mobile and selects payments method Successful transactions are paid into your bank account Compatible PayGate Products PayWeb e Commerce How to Get Started Go to www paygate co za potential client php and complete the Get Started form and we will assist you in signing up to receive FNB Cell Pay Point payments T 0861 102 172 Int 27 0 21 712 7841 F 0861 102 172 Int 27 0 21 712 7841 E info paygate co za www paygate co za 25 Y PAYGATE Ukash Voucher Accept Voucher Payments Introduction Ukash is a way for you to accept payment from people who don t have credit cards They purchase a voucher from any of the major retailers and pay with it on your website PayGate allows merchants to accept Ukash vouchers as payment Benefits of using Ukash Voucher e You
46. us availability and fast transaction speeds from customers and to banks and alternative payment providers in all corners of the globe For optimal servicing of the African continent PayGate has servers in South Africa 11 T 0861 102 172 Int 27 0 21 712 7841 F 0861 102 172 Int 27 0 21 712 7841 E info paygate co za www paygate co za PAYGATE Y PAYGATE PayWeb e Commerce Introduction Your online credit card machine on the Internet where your clients key in their credit card details on a secure page hosted by PayGate Transactions are then authorised immediately and settled to your bank account overnight Benefits of PayWeb Simple and secure Easy to use Low transaction charges MasterCard SecureCode and Verified by Visa enabled Comprehensive documentation available for download from our web site Sample code available for download from our web site Customisable to suit your look and feel Fully functional test environment for pre production configuration and testing Accept payments 24hrs per day 7 days per week How PayWeb works PayWeb is a secure and user friendly way to receive online credit card payments When the website customer wants to make a payment the merchant s website redirects the customer to a secure payments page hosted by PayGate On this page the customer will complete their payment and once this is done they will be redirected back to a page on the merchant s website and the transaction results will
47. ustom payment solution How to Get Started Go to www paygate co za potential client php and complete the Get Started form and we will assist you in signing up to receive Debit Card payments T 0861 102 172 Int 27 0 21 712 7841 F 0861 102 172 Int 27 0 21 712 7841 E info paygate co za www paygate co za 22 Y PAYGATE SiD Instant EFT payments Introduction As a South African merchant you can now receive instant EFT payments from your South Africa clients using the SiD Secure Internet Deposit instant EFT service This service is well known in the South African e Commerce environment and is a trusted secure payment method for your clients Using SiD customers without credit cards can shop and make payments easily and securely on your website SiD interfaces seamlessly with our PayWeb payment service and merchants using this service will not need to do any further development in order to use it Benefits of accepting EFT payments with SiD e SiD instant EFT payments can not be charged back and therefore present low risk to the merchant e The transfer of funds is directly to the bank account nominated by the merchant e SiD instant EFT payments are settled to the merchant s account in the same way as regular EFT payments within the same time frames How SiD works Making a SiD payment consists of 4 easy steps When your client has chosen to make a payment they will be redirected to the PayWeb payments page on this page they can se
48. y need Successful Authorization Notification For every successful authorisation processed PayGate can automatically send an email notification to select airline representatives Daily Credit Card Settlement Reconciliation Service For ease of airline payment reconciliation to the bank statement the PayGate system can automatically email the Daily Credit Card Settlement Reconciliation report every morning to the appropriate airline representatives These CSV files contain details of the previous day s settlement batches including summary of the batch its total value and the details of each settlement contained in the batch African Payment Solutions for Airlines Whilst PayGate services airlines around the globe worthy of mention is that we have a unigue and comprehensive capability when it comes to Africa PayGate is a leader in African online payment services for regional and international airlines flying to and from countries on the African continent PayGate has more than ten years experience providing payment solutions to more than ten airlines with a diverse range of African country payment methods and local currencies PayGate is a leading online payment service provider in Africa with on the ground experience knowledge and capability in the African territory Please see section PayGate Africa Capability for more info on in country payment methods on the African continent T 0861 102 172 Int 27 0 21 712 7841 F 0861 102 172
49. yment is processed in real time to the merchant s MOTO merchant account and the transaction status is shown to the merchant who can print it out if required Compatible Payment Methods Compatible banks PayPoint is compatible with the following available The following banks are able to process PayPoint credit payment method card payments Credit Card Standard Bank Nedbank How to Get Started Go to www paygate co za potential client php and complete the Get Started form and we will assist you in signing up to receive the benefits of PayPoint T 0861 102 172 Int 27 0 21 712 7841 F 0861 102 172 Int 27 0 21 712 7841 E info paygate co za www paygate co za 17 Y PAYGATE PayBill e Billing Introduction PayBill is the ideal solution if you want to offer customers the option of online payments with every invoice they receive It s a fast and simple solution without the delay and additional costs associated with web development PayBill is really a best of both worlds solution It seamlessly combines the e Commerce functionality of PayWeb with the direct action of PayPoint allowing every invoice you send to be paid there and then Benefits of PayBill Simple and Secure Easy to use Low transaction charges Supports MasterCard SecureCode and Verified by Visa 3D Secure authentication No development required Instant access to a bank compliant web site to accept credit card payments Customisable to suit your look an

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